WOODFORD STATE BANK

MONROE, WI | Medium | Est. Jan. 1, 1915, midnight | FDIC #10011 | RSSD #93244 | FDIC
Latest Report: 2025-12-31

WOODFORD STATE BANK is amn medium FDIC-insured commercial bank headquartered in MONROE, WI, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $509M and total deposits of $390M. Profitability stands at 1.60% ROA and 26.48% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 10.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.63%. FDIC Certificate #10011.

Assets

$509M

Deposits

$390M

Loans

$382M

Equity

$33M

Profitability

Return on Assets (ROA) 1.60%
Return on Equity (ROE) 26.48%
Net Interest Margin (NIM) 4.08%
Yield on Assets 6.04%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.16%
Texas Ratio 1.63%
NPA Ratio 0.11%
ACL / Loans 0.57%

Capital & Liquidity

CET1 Ratio 10.75%
Tier 1 Capital 10.75%
Total Capital Ratio 11.34%
Leverage Ratio 8.30%
Loan-to-Deposit 97.90%

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